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Marketplace and platform payments

Stripe Connect

Stripe's product for connected-account onboarding, payments, balances, fees, transfers, and payouts.

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Editorial verdict

Choose Stripe Connect when the platform deliberately adopts its connected-account, charge, loss, onboarding, and payout model and verifies every required country and responsibility.12

Best for

  • Platforms onboarding connected sellers or providers
  • Split payments, platform fees, transfers, and controlled payouts
  • Teams already aligned with Stripe's payment infrastructure
12

Not ideal for

  • Ordinary direct-merchant payment acceptance
  • Products seeking a Merchant of Record rather than platform payments
  • Platforms that have not modeled loss liability, KYC, reserves, negative balances, and geography
12
Main trade-off

A broad integrated platform-payments stack is gained with Stripe-specific account models, liability allocation, policy, pricing, and migration.12

Product boundary

Whether Stripe Connect's connected-account and responsibility model fits the marketplace or platform funds flow.

Stripe Connect owns connected-account and multi-party funds flow. Stripe Payments, Billing, Tax, Identity, Radar, Treasury, and Global Payouts remain separate products and Claims.12

For: Platforms and marketplaces onboarding sellers or service providers and routing funds

  • The flow has only one merchant and no connected participants.
  • A Merchant of Record is required.
  • Countries, liability, reserves, payout, or policy requirements do not fit.

Why teams consider Stripe Connect

  • Connected accountsOnboarding and verification flows support platform users.12
  • Funds routingCharge types, splits, transfers, fees, and balances model multi-party payments.12
  • Payout controlPlatforms can select supported payout models and timing.12

Pricing

Pricing depends on whether Stripe or the platform handles connected-account pricing and can include active accounts, payout count and volume, cross-border payouts, routing, tax reporting, and payment processing.2

Stripe handles pricing

Stripe-set connected-account pricing

No additional platform account or payout fee is listed for this model, subject to qualification and the connected account's payment pricing.2

Platform handles pricing

Platform-set pricing

$2 per monthly active account and 0.25% + $0.25 per payout at verification, with separate processing and optional product fees.2

Model boundary
Stripe-set and platform-set pricing allocate fees differently2
Responsibility boundary
Charge type affects refunds, disputes, fees, and loss allocation2
Pricing checked View official pricing

Stripe Connect vs alternatives

Adyen for Platforms

Choose when
Choose Adyen's platform account, split, balance, and payout model.
Avoid when
Its enterprise integration, geography, or commercial terms do not fit.
Compared with Stripe Connect
A different acquiring and platform operating model applies.45

Mangopay

Choose when
Choose wallet-led platform payments and payouts where Mangopay coverage fits.
Avoid when
Its regional, eligibility, wallet, or custom-commercial model does not fit.
Compared with Stripe Connect
Wallet and regulated platform infrastructure replace Stripe's model.678

Resources and sources

Official product, policy, and pricing

  • How Stripe Connect works
    Open
  • Stripe Connect pricing
    Open
  • Stripe restricted businesses
    Open
  1. 1
    How Stripe Connect works

    Stripe · Accessed Official

  2. 2
    Stripe Connect pricing

    Stripe · Accessed Official

  3. 3
    Stripe restricted businesses

    Stripe · Accessed Official

  4. 4
    Adyen for Platforms

    Adyen · Accessed Official

  5. 5
    Adyen pricing

    Adyen · Accessed Official

  6. 6
    Mangopay documentation

    Mangopay · Accessed Official

  7. 7
    Mangopay pricing

    Mangopay · Accessed Official

  8. 8
    Mangopay prohibited businesses

    Mangopay · Accessed Official